675 Whitfield Rd, Freeport, FL 32439 Property Records

Walton County property record for 675 Whitfield Rd, Freeport, FL 32439

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,580 sqft · built 1986
Lot Size	1.49 acres (64,992 sqft)
Owner	Individual Name on Record
Last Sale	$899,000 (Sep 2021)
Tax Bill	$2,092 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Apr 2021 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`13-1S-20-32000-010-0000`

Property Details

APN / Parcel Number

Primary APN	`13-1S-20-32000-010-0000`
Alternative APNs	`13-120-32000-010-0000` `1018419`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,580 sqft Living Area
Gross Area	2,918 sqft
1st Floor Area	1,580 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2000
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	64,992 sqft (1.49 acres)
Lot Dimensions	650 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	900 sqft

Exterior Amenities

Porch	Enclosed/Finished Porch
Porch Area	288 sqft
Deck Area	Deck Area
Pole Barn	Pole Barn
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	675 WHITFIELD RD
City	FREEPORT
State	FL
Zip	32439-2434
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BYALAQ
Legal Description	COM NW COR SE1/4 OF NW1/4 RUN E 354.60 FT, ANGLE RIGHT 86 DEG 49 MIN, S-LY 615.15 FT TO BEG; CONTINUE ON SAME LINE 100 FT, ANGLE LEFT 87 DEG 18 MIN E-LY 650 FT TO WEST BAYOU; N-LY ALONG BAYOU 100FT, W-LY 650 FT TO BEG. OR 817-312 OR 831-127 OR 2613-2
Legal Range	020
Legal Township	01S
Legal Section	13
Legal Block	1000
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	3
Census Block	3003
Census Tract	950502

Owner

Source: Walton County records, as of December 3, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	675 WHITFIELD RD, FREEPORT, FL 32439-2434
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage THE MCADA FAMILY TRUST
Apr 19, 2021	Deed of Trust, Mortgage · Line of Credit TRUSTMARK NATIONAL BANK
Jan 2, 2018	Deed of Trust, Mortgage · Commercial Mortgage TRUSTMARK NATIONAL BANK
Apr 7, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2021 · Amount on Record
Deed Sale	Sep 21, 2021 · Amount on Record
Prior Sale	May 12, 2016 · Amount on Record
Deed Document Number	202147384
Deed Book / Page	3217 / 1394
Prior Transfer Date	Mar 19, 2020
Prior Transfer Doc	0031390430
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 21, 2021
Property Address	675 WHITFIELD RD, FREEPORT, FL 32439-2434
Document Number	0032171394
Book / Page	3217 / 1394
Instrument Date	Sep 20, 2021
Instrument	20210047384
Transaction Type	Transfer
Record Updated	Oct 13, 2021
Title Company	MITCHELL LAND AND TITLE, MITCHELL LAND & TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,293.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4516 E HIGHWAY 20120, 4516, NICEVILLE, FL 32578

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	675 WHITFIELD RD, FREEPORT, FL 32439-2434

Mortgage

Document Number	32171396
Date	Sep 21, 2021
Instrument	3217/1396

Lender

Name	THE MCADA FAMILY TRUST
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 21, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	675 WHITFIELD RD, FREEPORT, FL 32439-2434
Transaction Type	Mortgage
Record Updated	Apr 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	675 WHITFIELD RD, FREEPORT, FL 32439-2434

Mortgage

Document Number	0031932278
Date	Apr 19, 2021
Book Page	3193/2278
Instrument	20210018910

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	FREEPORT, FL 32439

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	118 Months
Due	Feb 25, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	675 WHITFIELD RD, FREEPORT, FL 32439-2434
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030620252
Date	Jan 2, 2018
Book Page	3062/0252
Instrument	2018000000056

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	PENSACOLA, FL 32502

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Dec 15, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Apr 7, 2020
Property Address	675 WHITFIELD RD, FREEPORT, FL 32439-2434
Document Number	0031390430
Book / Page	003139 / 000430
Instrument Date	Mar 19, 2020
Instrument	12282
Transaction Type	Transfer
Record Updated	Jun 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	675 WHITFIELD RD FREEPORT FL 324392434, FREEPORT, FL 32439-2434

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Walton County
Unified School District	Walton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,092.00 (-2.2%) Homeowner's exemption	$282,220 (-1.49%) Land $96,745 Building $185,475	$282,220 (-1.49%) Land $96,745 Building $185,475
2024	$2,139.00 (-0.42%)
2023	$2,148.00 (-15.43%) Homeowner's exemption	$286,489 (-0.77%) Land $96,745 Building $189,744	$286,489 (-0.77%) Land $96,745 Building $189,744
2022	$2,540.00	$288,713 Land $107,387 Building $181,326	$288,713 Land $107,387 Building $181,326

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 57 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	115 (1994–2020)
Claims Outside the SFHA	38 of 115
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 17 claims Hurricane Frances, Sep 2004 · 44 claims Hurricane Opal, Oct 1995 · 27 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTH BAY WATER SYSTEM serves 3,171 people · EPA ID FL1664019
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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